I am very satisfied with my VPI coverage. I have 2 dogs who did have some health issues in their first year. Both are doing well and thriving now. I understand that some of VPI customers feel that the amount paid by VPI for claims is too low, the reimbursement schedule is a bit lower than the prices at my vet as well. I think that this is most likely because I do not go to a discount Vet. I go to the best vet in my area, who has the best equipment and facilities. I imagine that most people who buy coverage for their pets are also less likely to shop around for the best prices.